| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 699 WALNUT, 4TH FLOOR DES MOINES, IA 50309 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $46K | $0 | $46K | 7.96% |
| MIKE ANDERSON3 | PO BOX 975 BISMARCK, ND 58502 | DAKOTA CAPITAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.30% |
| BILL LEIER3 | PO BOX 975 BISMARCK, ND 58502 | DAKOTA CAPITAL LIFE INSURANCE COMPANY | $442 | $0 | $442 | 2.30% |
| US ALLIANCE MARKETING CORPORATION3 | PO BOX 4026 TOPEKA, KS 66604 | DAKOTA CAPITAL LIFE INSURANCE COMPANY | $280 | $0 | $280 | 1.46% |
| CHAD SCHULER3 | PO BOX 975 BISMARCK, ND 58502 | DAKOTA CAPITAL LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| MARC HOMAN3 | PO BOX 4026 TOPEKA, KS 66604 | DAKOTA CAPITAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| ROWDY MEYER3 | PO BOX 4026 TOPEKA, KS 66604 | DAKOTA CAPITAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 99 | $575K |
| Life insurance | DAKOTA CAPITAL LIFE INSURANCE COMPANY | 131 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 99 | $575K |
| Other | DAKOTA CAPITAL LIFE INSURANCE COMPANY | 131 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.